Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.

It is too expensive for what you pay out. I would have been much better off without it financially this past year. My veterinarian charges much more than the reimbursement that is allowed

The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days. Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY! Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.

No different than any other. Over priced by a lot! They do pay quickly once you figure out their cumbersome site. They do not allow a fax or photo by email as some do. They not doubled, not tripled, but now want to make my future payments 4 TIMES HIGHER the year before. I feel that is very unfair as my dog was recently diagnosed with diabetes. Before the increases were minimal…but you never know. The excuse they gave me is that “you know, everyone’s cost has gone up”. Right…but 4 times higher than the year before and they have included the increase for the cat that is healthy. The date below is not accurate, but they don’t give me an opportunity to be more specific regarding this issue.

They renewed a pet policy on a deceased pet, while my pets who were still alive the policy was not renewed. When I went to file a claim, they said they could not assist me as the pet I was claiming had no active policy. This happened two years in a row, and as a result I have not been able to file any claims after obtaining pet policies for three different animals. When I asked for a record, they said that the record for my call speaking with a representative was not available. After providing confirmation of payment, I was still denied claim coverage because the customer care representative renewing my policy for the year submitted it for the wrong animal. I am extremely frustrated with the way I have been treated, and would never recommend Nationwide pet insurance to anyone looking for a respectful and accurate insurance representative. Not only will I not receive a refund for the annual policy that they incorrectly filed for the deceased pet, but I am unable to file claims for the veterinary bills that I was submitting in good faith for my living pet. When speaking to the representative to fix the issue, she said I did not understand what she was explaining to me. It was an exceptionally rude experience and she hung up the phone without a thank you or goodbye.

This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops). So when I say they’re predatory, I’m NOT using that word lightly! They utilize a variety of dirty tactics to serve the company’s interests and avoid paying out their own customers. Just take a few minutes to read their BBB complaints and reviews and you’ll understand. There are far better insurance providers out there. Spot is THE best and most customer friendly company available (imo), but they’re a bit expensive. If the money’s an issue then I recommend Pets Best, their pricing is similar to Embrace but they’re LEAPS & BOUNDS better in terms of payouts and customer service. I’ve had policies with all 3 companies so my recommendations are based on personal experience.

Just received my renewal after 10 years of covering our dog since he was a puppy. I've paid the expected rate increases each year. I've held a $250 deductible with 90% reimbursement coverage the entire time. This year my coverage is being unilaterally changed from a $250 deductible to $500 and the company is reducing reimbursement to 70% and of course they are raising my overall premium despite a significant reduction in coverage. After talking to customer service - it sounds like the company the company has made a broad decision that all 7+ year old dogs will no longer be eligible for the coverage limits. While young dogs can still sign up for increased coverage, there is a steep drop as your dog ages. My original thinking was that you select your Pet Insurance while a puppy and keep it consistent. You don't want to have to switch when they get older in case of "preexisting conditions" which create challenges for new coverage. This change backs you into corner. BUYERS PLEASE PROCEED WITH EYES WIDE OPEN. To Healthy Paws -- you used to be such a great and promising company in this space. This is so disappointing. To the leaders, based on my reading reviews, I'm not the first to have this experience. Your lack of honoring those who have invested in your past success - should have consequences.

For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher

I’ve had this insurance for two four years I used to have a different insurance that paid better every time you’ve processed your claims this insurance has been going up every year and pay it out less even if you don’t have your dog diagnosed for the correct disease they may have very difficult to get them to pay the full amount The other insurance I used to have with a lot easier to process. I really don’t recommend them so I went ahead and cancel them. It’s just not worth spending the money for two pets when they do not process the paperwork on time claims they request so much paperwork by the time you get done it’s like 30 days to have to wait to process granted you get a military discount but in the long run, it’s not worth it.

This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE